PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Cincinnati School

Cincinnati, OH · Charter 96722

NCUA · 4 branches

Q2 2026

$135.1MAssets
$86.3MLoans
$116.3MShares
$18.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.62%, down 116 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.46% of loans (-58 bps YoY).
  • Capital: net worth / assets of 13.38%, up 93 bps from a year ago.
  • Funding: loans stand at 74.21% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%-116 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+4 bps YoY

Efficiency Ratio (YTD, annualized)

84.10%+2,461 bps YoY

Net Worth / Assets

13.38%+93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.99%1.56%-0.99%0.62%-116 bps
Return on Equity14.31%15.48%11.83%-7.74%4.62%-969 bps
Net Interest Margin3.76%3.84%3.86%3.62%3.80%+4 bps
Efficiency Ratio59.50%58.86%65.00%124.90%84.10%+2,461 bps
Growth
Asset Growth (YoY)8.11%5.17%4.00%1.59%-0.10%-820 bps
Loan Growth (YoY)13.74%19.07%25.83%33.22%31.73%+1,799 bps
Share Growth (YoY)6.91%3.85%2.76%0.82%-1.29%-820 bps
Asset Quality
Delinquent Loans / Loans1.04%0.96%0.49%0.31%0.46%-58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.45%12.85%13.16%12.80%13.38%+93 bps
Net Worth / Assets12.45%12.85%13.16%12.80%13.38%+93 bps
Liquidity & Funding
Loans / Shares55.61%58.56%61.48%63.90%74.21%+1,860 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps